Welcome to Life Benefit Solutions: EscapeThePovertyTrap.com website. The LifeBenefits101.org website (the “Site”) is comprised of various web pages operated by Life Benefit Solutions. LifeBenefits101.org is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the “Terms”). Your use of LifeBenefits101.org constitutes your agreement to all such Terms. Please read these terms carefully and keep a copy of them for your reference.
1. Introduction Welcome to EscapeThePovertyTrap.com. We provide resources and services to help individuals overcome poverty. Our partners include LifeBenefits101.org, Ethos Life, LegalShield, TransAmerica, Mutual of Omaha, National Life Group, F&G, Americo and other insurance carriers.
2. Acceptance of Terms By using our website, you agree to these Terms and Conditions. If you do not agree with any part of these terms, please do not use our website.
3. Privacy Policy We respect your privacy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
4. Intellectual Property Rights All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of EscapeThePovertyTrap.com or its licensors and is protected by international copyright laws.
5. Limitation of Liability While we strive to provide accurate and current information, we make no warranties or representations about the accuracy, reliability, or completeness of the content on our website. We shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages resulting from your use of our website.
6. Disclaimer Our website and its content are provided on an “as is” basis without any warranties of any kind, either express or implied.
7. Refund Policy If you are not satisfied with any product or service purchased from our website, please refer to our Refund Policy for information on how to request a refund.
8. Partners We have partnered with various companies to provide additional resources and services. Your interaction with these partners may be subject to their own terms and conditions.
9. Changes to These Terms We reserve the right to modify these Terms and Conditions at any time. Your continued use of our website signifies your acceptance of the modified terms.
10. Governing Law These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States.
EscapeThePovertyTrap.com is a Blog Site.
“We offer the following services: Financial services education, Legal Plans, Identity Theft Protection, Financial Protection, Prescriptions Discounts, Debt Relief, Retirement Planning solutions, and Health and Wellness Recommendations for individuals, families, and businesses.”
Privacy
Your use of LifeBenefits101.org is subject to Life Benefit Solutions’ Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.
Electronic Communications
Visiting LifeBenefits101.org or sending emails to Life Benefit Solutions constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email, and on the Site, satisfy any legal requirement that such communications be in writing.
Children Under Thirteen
Life Benefit Solutions does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use LifeBenefits101.org only with the permission of a parent or guardian.
Links to Third-Party Sites/Third-Party Services
LifeBenefits101.org may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of Life Benefit Solutions and Life Benefit Solutions is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Life Benefit Solutions is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Life Benefit Solutions of the site or any association with its operators.
Certain services made available via LifeBenefits101.org are delivered by third-party sites and organizations. By using any product, service or functionality originating from the LifeBenefits101.org domain, you hereby acknowledge and consent that Life Benefit Solutions may share such information and data with any third party with whom Life Benefit Solutions has a contractual relationship to provide the requested product, service or functionality on behalf of LifeBenefits101.org users and customers.
No Unlawful or Prohibited Use/Intellectual Property
You are granted a non-exclusive, non-transferable, revocable license to access and use LifeBenefits101.org strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to Life Benefit Solutions that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.
All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of Life Benefit Solutions or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Life Benefit Solutions content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use and will make no other use of the content without the express written permission of Life Benefit Solutions and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Life Benefit Solutions or our licensors except as expressly authorized by these Terms.
International Users
The Service is controlled, operated, and administered by Life Benefit Solutions from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Life Benefit Solutions Content accessed through LifeBenefits101.org in any country or in any manner prohibited by any applicable laws, restrictions, or regulations.
Indemnification
You agree to indemnify, defend and hold harmless Life Benefit Solutions, its officers, directors, employees, agents, and third parties, for any losses, costs, liabilities, and expenses (including reasonable attorney’s fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Life Benefit Solutions reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Life Benefit Solutions in asserting any available defenses.
Arbitration
In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator’s award shall be final, and judgment may be entered upon it in any court having jurisdiction. If any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney’s fees. The parties agree to arbitrate all disputes and claims in regard to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision, shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.
Class Action Waiver
Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH’S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE, AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and Life Benefit Solutions agree otherwise, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of representative or class proceeding.
Liability Disclaimer
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. LIFE BENEFIT SOLUTIONS AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.
LIFE BENEFIT SOLUTIONS AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. LIFE BENEFIT SOLUTIONS AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL
IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LIFE BENEFIT SOLUTIONS AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF LIFE BENEFIT SOLUTIONS OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.
Termination/Access Restriction
Life Benefit Solutions reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Georgia, and you hereby consent to the exclusive jurisdiction and venue of courts in Georgia in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and Life Benefit Solutions as a result of this agreement or use of the Site. Life Benefit Solutions’ performance of this agreement is subject to existing laws and legal processes, and nothing contained in this agreement is in derogation of Life Benefit Solutions’ right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Life Benefit Solutions with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Life Benefit Solutions with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Life Benefit Solutions with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.
Changes to Terms
Life Benefit Solutions reserves the right, in its sole discretion, to change the Terms under which LifeBenefits101.org is offered. The most current version of the Terms will supersede all previous versions. Life Benefit Solutions encourages you to periodically review the Terms to stay informed of our updates.
Contact Us
Life Benefit Solutions welcomes your questions or comments regarding the Terms:
Life Benefit Solutions
713A Godfrey Rd
Eatonton, GA 31024
Email Address: support@lifebenefits101.org
Telephone number: 8007945510
Effective as of November 13, 2023
